1. Welcome to our website. These terms and conditions (the “Terms”) govern your access to and use of our website and the services we offer on the website (the “Services”). By using our website and the Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or the Services.
  2. User Eligibility Our Services are intended for use by individuals who are at least 18 years old. By using our website and the Services, you represent and warrant that you are at least 18 years old.
  3. Disclaimer Our Services are for entertainment purposes only. We do not guarantee the accuracy, completeness, or usefulness of any information provided on our website or through our Services. We are not responsible for any decisions you make based on the information you receive from our Advisors.
  4. Payment and Refund Policy All fees for our Services are non-refundable. We reserve the right to change our fees at any time. Payment for our Services must be made in advance through our website.
    Intellectual Property All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of our website or our licensors and is protected by copyright and other intellectual property laws. You may not use our content without our express written permission.
  5. User Content You are solely responsible for any content you post on our website or provide to us through our Services. By posting content on our website or providing content to us through our Services, you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, and distribute the content in connection with our Services.
  6. Prohibited Conduct You may not use our website or the Services for any illegal or unauthorized purpose. You may not harass or harm any other user of our website or the Services. You may not use our website or the Services to impersonate any person or entity. You may not interfere with or disrupt our website or the Services.
    Termination We reserve the right to terminate your access to our website and the Services at any time, with or without cause, without notice to you.
  7. Disclaimer of Warranties Our website and the Services are provided “as is” and without warranties of any kind, whether express or implied. We do not warrant that our website or the Services will be uninterrupted, error-free, or free from viruses or other harmful components.
    Limitation of Liability To the maximum extent permitted by law, we will not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or the Services.
  8. Indemnification You agree to indemnify and hold us harmless from and against any claims, damages, liabilities, and expenses (including attorneys’ fees) arising out of or in connection with your use of our website or the Services, or any violation of these Terms.
  9. Governing Law These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where our business is registered without regard to its conflicts of law provisions.
    Changes to Terms We reserve the right to change these Terms at any time, without notice to you. Your continued use of our website and the Services following any changes to these Terms constitutes your acceptance of the changes.
  10. Entire Agreement These Terms constitute the entire agreement between you and us with respect to your use of our website and the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us. If you have any questions or concerns about these Terms, please contact us.